AAA Attorney Network, the leader in Attorney referral services since 1996 has three new Networks to offer potential clients. The new Debt Relief Attorney Network covers loan modifications,foreclosure defense and Bankruptcy. All the networks are unique in the specific legal category or preference they target . According to Lisa Spitzer the brainchild” Having numerous networks increases the chances on the search engines” People like specialists and google is pushing relevance. The Injury Doctors Network will be launched shortly. Each network will link to specific networks for each state. There is a Jewish Lawyers network,Injury Lawyers Network and criminal defense network. The future plans include a Women Lawyers Network and a Hispanic (Spanish speaking) lawyers network. There is also a practice management component.

This is a new and interesting concept. I believe what we have here is an Association of Networks. What an interesting concept. According to Spitzer” the networks where chosen based on the analysis of caller requests observed over the years. There are some very specific preferences callers have” This is a new concept in lawyer and medical marketing.

When a consumer is interested in filing bankruptcy, they will normally contact a bankruptcy attorney in their area or simply walk into their office with no prior appointment. The average consumer will also want to know how much it will cost to file bankruptcy, at which time the attorney must gather enough information about their financial situation to provide a reasonable quote for services. The majority of attorneys do this by providing a free initial consultation.

Unfortunately, this method is proving to be extremely unsuccessful for many Chapter 7 and Chapter 13 bankruptcy attorneys. For example, a small law practice in Denver, Colorado recently said that she often only coverts 2 out of 10 free consultations to actual bankruptcy clients who retain her services. This is a great loss of time and money; in fact, about 80% of it.

Another attorney in Los Angeles, California said that he spends about 25 hours of free consultations per week to average 3 new clients who pay a retainer. And still, another attorney in Phoenix, Arizona said that he is spending so much of his time with free client consultations that end up resulting in a total loss of income, that he has little time to dedicate to clients who have retained him. He is considering hiring an in-house attorney or law student but is afraid he cannot afford it right now.

Problems like these, and thousands more like them are not uncommon in the average Chapter 7 and 13 bankruptcy office today. However, attorneys are finding the necessity to streamline operations just to keep up with the increased workload within the bankruptcy industry itself. They no longer can afford to spend 3, 4 or more hours per day interviewing clients, only to find out they either are ineligible to file bankruptcy; or even worse, to discover there are potential problems that may cost more time for the attorney or paralegal that were not anticipated during the initial client meeting.

A Proposed Solution
The Initial Intake Form, a tool recently developed by Colorado Bankruptcy Training, is designed to enable law firms to meet these time saving goals as well as accomplish much more.

The Initial Intake Form is a 4-page form that is basically comprised of yes and no questions. This makes it very simple and fast for potential client(s) to fill out and complete either at the law firm or over the internet by accessing the law firm’s website. The information gathered from these yes and no responses is designed to be simple and fast for the attorney to interpret also. This is accomplished through the extremely detailed, 75-page Operations Manual that comes with the package.

Immediately upon the filing of a bankruptcy petition, no creditor may pursue or commence an action against the debtor (person filing the petition). It’s the law. Therefore, after the filing, a utility company may not terminate the debtor’s service, even though there may be substantial arrears. Also, in the event that the debtor’s service was terminated prior to the filing, the service must be restored, upon notifying the utility provider after the filing. Generally, the provider will restore the service within 24 to 48 hours after the filing.

The bankruptcy code states that within 20 days after the filing, the debtor must pay a security deposit to establish a new account. Each utility company may apply a different criteria in determining the deposit amount. The utility companies generally apply the following criteria to determine the amount of the security deposit: 1. average monthly usage for the 12 months prior to the filing; 2. average of the highest two months of usage during the 12 months prior to the filing; 3. twice the average monthly usage for the 12 months prior to the filing.

Is the debtor required to pay the pre-bankruptcy debt owed to the utility provider? If the debtor has filed for chapter 7 bankruptcy protection and meets all of the requirements for a discharge, the debt is eliminated without any payment. After a debtor has established a new account, subsequent to a chapter 7 discharge, the utility company may terminate the service for payment arrears, based on their typical standards.

The following pertains to chapter 13 protection. An individual may file a chapter 13 case for numerous reasons that are unrelated to utility issues. A chapter 13 typically requires the debtor to make monthly payments to a trustee (bankruptcy administrator) over a 36 to 60 month period. The trustee payments may be paid to various creditors based on the debtor’s financial position and desires. Utility debt is classified as unsecured. The debtor may be required to pay none, some, or all of their unsecured debt, based on the following factors: personal and household income; personal and household expenses; real and personal property values; amount of arrears on secured debt; and, to some extent, the debtor’s desires. A chapter 13 may permit the debtor to eliminate the entire utility balance, without payment.

Similar to a chapter 7, in the event that a debtor falls behind with the utility payments after the chapter 13 filing and the establishment of a new account, the company may terminate the service, based on their typical standards relating to payment default.

Dionne & Dionne Law today announced an expanded service area to include Birmingham, Tuscaloosa, and all surrounding areas. The firm also has expanded its recently launched information portal, www.BankruptcyLawyerInAlabama.com. The portal serves as a comprehensive source for Birmingham area consumers to find information about bankruptcy solutions and bankruptcy protection. It also offers consumers a way to speak directly with an attorney at the firm to discuss their case without obligation.

As previously announced, the portal includes bankruptcy FAQs on Chapter 7 and Chapter 13. Consumers can also download a free financial analysis form to use in determining the need for bankruptcy.

The web site will be an invaluable resource to Birmingham consumers in finding accessible information to address their bankruptcy questions and gain access to Birmingham bankruptcy lawyers for one-on-one advice.

Melinda Dionne of Dionne & Dionne stated, “By expanding into the Birmingham area we’re able to help more Alabama consumers who are in financial distress. Our goal is to put our nearly 40 years of combined experience to work for them. We specifically designed the resources at www.BankruptcyLawyerInAlabama.com to be simple, concise and to offer every consumer something of value.”

About Dionne & Dionne Law – Dionne & Dionne Law was founded in 1996 by husband/wife team Don and Melinda Dionne. Don and Melinda tout nearly 40 years of combined experience serving and advising consumers. The firm specializes in bankruptcy, family law, and estate planning services. The firm has offices in Birmingham and Tuscaloosa, Alabama.

EPR Law News is a new blog, part of EPR Network, that is going to be focused on and will be covering the law news and stories from press releases published on EPR Network.

EPR Network (EPR stands for expresspressrelease) is one of the nation’s largest press release distribution networks on Web. The EPR’s nationwide network includes 12 State based PR sites, one major PR forum and a number of industry specific PR blogs and what started as a hobby on Internet years ago turned out to be a rapidly growing business today. EPR Network is also known as one of the most trusted (human optimized, published, edited and monitored, spam/scam/low quality PR content free) PR sites on the web with more than 10,000 company and individual press releases distributed per month. EPR Network is putting your press releases on top of all major search engines’ results and is reaching thousands of individuals, companies, PR specialists, media professionals, bloggers and journalists every day.

EPR Network has thousands of clients around the world including global 500 corporations like Hilton Hotels, Barclays Bank, AXA Insurance, Tesco UK, eBay/Skype, Emirates, just to name a few. The network’s PR web sites are currently reaching from 150,000 to sometimes 500,000 unique visitors per month while our viral reach could possibly go to as much as 1M people per month through our presence across various social media sites. EPR Network was established in 2004 and as of May 2008 it had more than 800,000 press releases (pages) published on its network.